The Bank of Khyber (BOK) Financial Statements, Ratios & Dividends
About
Bank of Khyber engages in the business of commercial banking and related services. It operates through the following segments: Corporate Finance, Trading and Sales, Retail Banking, and Commercial Banking. The Corporate Finance segment includes services provided in connection with mergers and acquisitions, underwriting, privatization, securitization, research, debts, equity, syndication, initial public offering, and secondary private placements. The Trading and Sales segment focuses on fixed income, equity, foreign exchanges, commodities, credit, funding, own position securities, lending and repos, brokerage debt, and prime brokerage. The Retail Banking segment is involved in retail lending and deposits, banking services, trust and estates, private lending and deposits, banking services, and retail offered to its retail customers. The Commercial Banking segment offers project finance, real estate, export finance, trade finance, leasing, lending, guarantees, bills of exchange, and deposits. The company was founded in 1991 and is headquartered in Peshawar, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 56.31B | 67.06B | |
| Net Income | 5.82B | 3.62B | |
| EPS | 5.02 | 3.12 | |
| ROE | 25.52% | 17.13% | |
| ROA | 1.25% | 0.84% | |
| Net Margin | 25.20% | 19.72% | |
| Current Ratio | 0.12 | 0.11 | |
| DPS | 3.20 | 1.70 | |
| Free Cash Flow | -119.29B | 118.66B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 52.23B | 65.22B | |
| Total Interest Expense | -33.23B | -48.73B | |
| Net Interest Income | 19.00B | 16.49B | |
| Loan Loss Provision | 862.94M | 166.10M | |
| Net Interest Income after LLP | 19.86B | 16.66B | |
| Non-Interest Income | 4.08B | 1.84B | |
| Commissions & Fees | 1.07B | 941.99M | |
| Foreign Exchange Income | 592.55M | 529.44M | |
| Non-Interest Expense | -11.64B | -10.38B | |
| Labor & Personnel | -5.44B | -4.76B | |
| Total Revenue | 56.31B | 67.06B | |
| Operating Income | 12.30B | 8.12B | |
| Pre-Tax Income | 12.27B | 8.12B | |
| Income Tax | -6.47B | -4.52B | |
| Minority Interest | 0 | 0 | |
| Net Income | 5.82B | 3.62B | |
| EPS (Basic) | 5.02 | 3.12 | |
| EPS (Diluted) | 5.02 | 3.12 | |
| Non-Interest Income / Revenue | 17.67% | 10.02% | |
| Operating Margin | 53.31% | 44.28% | |
| Net Margin | 25.20% | 19.72% | |
| Pre-Tax Margin | 21.78% | 12.11% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 18.31% | 15.67% | |
| Tier 1 Capital Ratio | 18.31% | 15.67% | |
| Tier 2 Capital Ratio | 1.84% | 2.14% | |
| Total Capital Ratio | 20.15% | 17.81% | |
| Tier 1 Capital | 21.94B | 19.86B | |
| Risk-Weighted Assets | 119.84B | 126.78B | |
| Asset Quality | |||
| Non-Performing Loans | 25.06B | 26.60B | |
| NPL Ratio (NPL/Gross Loans) | 0.17% | 0.16% | |
| Loan Loss Coverage | -0.14% | -0.11% | |
| NPL / Loan Loss Reserve | 2.11 | 2.09 | |
| Reserve / Gross Loans | 0.08% | 0.08% | |
| Profitability | |||
| Return on Equity (ROE) | 25.52% | 17.13% | |
| Return on Assets (ROA) | 1.25% | 0.84% | |
| Operating Margin | 53.31% | 44.28% | |
| Net Margin | 25.20% | 19.72% | |
| Yield on Earning Assets | 12.39% | 17.09% | |
| Interest Income / Deposits | 5.84% | 5.89% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.83% | 0.58% | |
| Loans / Deposits (ADR) | 0.39% | 0.60% | |
| Loans / Total Assets | 0.32% | 0.35% | |
| Equity / Deposits | 0.06% | 0.08% | |
| Cash / Deposits | 0.80% | 1.11% | |
| CASA Ratio | 0.18% | 0.20% | |
| Per Share | |||
| Book Value Per Share | 20.45 | 18.91 | |
| Tangible Book Per Share | 20.12 | 18.60 | |
| Shares & Market | |||
| Total Shares Outstanding | 1,157,935,989 | 1,157,935,989 | |
| Market Cap | 40.39B | 17.10B | |
| Enterprise Value | 55.30B | 130.72B | |
| Employees | 2,149 | 2,259 | |
| Shareholders | 27,458 | 27,458 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 3.20 | 1.70 | |
| Dividend Yield | 9.17% | 11.51% | |
| Payout Ratio | 63.71% | 54.45% | |
| Total Dividends Paid | -3.67B | -1.64B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.94 | 4.73 | |
| P/B Ratio | 1.71 | 0.78 | |
| P/S Ratio | 1.75 | 0.93 | |
| P/CF Ratio | — | 0.14 | |
| Market Cap | 40.39B | 17.10B | |
| Enterprise Value | 55.30B | 130.72B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 51.82B | |
| Operating Income | 8.32B | |
| Net Income | 3.93B | |
| Free Cash Flow | -74.88B | |
| EPS (Basic) | 3.39 | |
| Margins | ||
| Operating Margin | 41.30% | |
| Net Margin | 19.49% | |
| Returns | ||
| Return on Equity (ROE) | 17.39% | |
| ROIC | 0.07% | |
| Coverage & Debt | ||
| Dividend Coverage | -0.45 | |
| Debt / Revenue | 1.55 | |
| Valuation & Scores | ||
| P/E (TTM) | 8.18 | |
| Sloan Ratio | 22.66 | |
| Zmijewski Score | 1.11 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 25.52% | |
| Return on Tangible Equity | 25.94% | |
| Return on Tangible Assets | 1.25% | |
| Return on Total Capital | 11.01% | |
| ROCE | 8.15% | |
| Growth | ||
| EPS Diluted Growth | 0.61% | |
| Sustainable Growth Rate | 9.26% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.99 | |
| Sloan Ratio | 22.05 | |
| Valuation (Computed) | ||
| Graham Number | 48.07 | |
| Tobin's Q Ratio | 0.09 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.63% | |
| Assets / Equity (Leverage) | 19.20 | |
| Effective Interest Rate | 10.20% | |
| Debt / Revenue | 0.72 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 8.82 | |
| Dividends (Computed) | ||
| Dividend Coverage | -0.21 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 10.74M | |
| Net Income / Employee | 2.71M | |
| Oper. Income / Employee | 5.73M | |
| Total Assets / Employee | 211.49M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||